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Charging Ahead

Charging Ahead Author Ronald J. Mann
ISBN-10 9781139459099
Release 2006-09-11
Pages
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This book was the first comprehensive treatment of credit cards in the global economy. The topic is timely not only because of the attention focused on cards as a contributor to the substantial rise in consumer borrowing, but also because of the role of cards in the recent retrenchment in the U.S. bankruptcy system. Relying on data from the US, the UK, Canada, Australia, and Japan, Charging Ahead includes the first careful statistical analysis of the relation between the rise of credit card use and broader macroeconomic phenomena like consumer borrowing, savings, and bankruptcy. It also provides a broad narrative of how credit cards have come to be used so differently around the world. Finally, it sets out a detailed and coherent program for regulatory intervention grounded in both empirical analysis and the existing theoretical literature.



International Commercial Agreements

International Commercial Agreements Author William F. Fox
ISBN-10 9789041126702
Release 2009
Pages 420
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Well-known since its first edition for its lucid explanation of the important concepts affecting international commercial agreements in terms that a lawyer or business executive new to the field can understand and use - rather than the legal jargon of experts talking to other experts - this incomparable one-volume work provides basic, precise information on setting up and performing international trade transactions. Its focus reflects the reality of the day-to-day business of international trade, which is primarily an undertaking between two private businesses based on a contract drafted and negotiated between the two parties for performance by them with occasional third-party assistance. Reinforcing the book's concentration on the private dimensions of international trade, and more precisely on the contractual aspects of that trade, the Fourth Edition extends its coverage to the newest growing dimensions of the field, with new chapters on intellectual property, international electronic commerce, and online dispute resolution. the much-appreciated solid basic information on a wide variety of issues that people will encounter in putting together international commercial agreements is of course still here, and includes the following: ; specific guidance on drafting commercial agreements; background material on contract formation, including basic information on contract law; differences between international and domestic contracts; in-depth exploration of negotiation techniques to help smooth the negotiation process; detailed discussion of alternative dispute resolution, including mediation/conciliation as well as arbitration; drafting contracts to cover a wide variety of business relationships, such as sale of services, franchises, joint ventures, and licenses; regional differences; online dispute resolution; and emerging new trends in international commercial arrangements. The reader will find a substantial amount of information and discussion on international electronic commerce both in separate chapters and within chapters on more general topics. In its recognition that a business executive entering into an international commercial transaction is mainly interested in drafting an agreement that satisfies all of the parties and that will be performed as promised, this superb functional guide for negotiation, drafting and resolving disputes in international commercial agreements will immeasurably assist any lawyer or business executive to plan and carry out individual transactions even when that person is not interested in a full-blown understanding of the entire landscape of international contracts. Business executives who are not lawyers will find that the book gives them the understanding and perspective necessary to work effectively with the legal experts.



Seduction by Contract

Seduction by Contract Author Oren Bar-Gill
ISBN-10 9780199663361
Release 2012-08-23
Pages 280
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Seduction by Contract explains how consumer contracts emerge from market forces and consumer psychology. Consumers' predictable mistakes - they are short-sighted, optimistic, and imperfectly rational - compel sellers to compete by hiding the true costs of products in complex, misleading contracts. Only better law can overcome the market's failure.



Insufficient Funds

Insufficient Funds Author Rebecca M. Blank
ISBN-10 9781610445887
Release 2009-03-26
Pages 336
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One in four American adults doesn’t have a bank account. Low-income families lack access to many of the basic financial services middle-class families take for granted and are particularly susceptible to financial emergencies, unemployment, loss of a home, and uninsured medical problems. Insufficient Funds explores how institutional constraints and individual decisions combine to produce this striking disparity and recommends policies to help alleviate the problem. Mainstream financial services are both less available and more expensive for low-income households. High fees, minimum-balance policies, and the relative scarcity of banks in poor neighborhoods are key factors. Michael Barr reports the results of an in-depth study of financial behavior in 1,000 low- and moderate-income families in metropolitan Detroit. He finds that most poor households have bank accounts, but combine use of mainstream services with alternative options such as money orders, pawnshops, and payday lenders. Barr suggests that a tax credit for banks serving primarily disadvantaged customers could facilitate greater equality in the private financial sector. Drawing on evidence from behavioral economics, Sendhil Mullainathan and Eldar Shafir show that low-income individuals exhibit many of the same patterns and weaknesses in financial decision making as middle-class individuals and could benefit from many of the same financial aids. They argue that savings programs that automatically enroll participants and require them to actively opt out in order to leave the program could drastically increase savings ability. Ronald Mann demonstrates that significant changes in the credit market over the past fifteen years have allowed companies to expand credit to a larger share of low-income families. Mann calls for regulations on credit card companies that would require greater disclosure of actual interest rates and fees. Raphael Bostic and Kwan Lee find that while home ownership has risen dramatically over the past twenty years, elevated risks for low-income families—such as foreclosure—may well outweigh the benefits of owning a home. The authors ultimately argue that if we want to demand financial responsibility from low-income households, we have an obligation to assure that these families have access to the banking, credit, and savings institutions that are readily available to higher-income families. Insufficient Funds highlights where and how access is blocked and shows how government policy and individual decisions could combine to eliminate many of these barriers in the future.



Boilerplate

Boilerplate Author Margaret Jane Radin
ISBN-10 9781400844838
Release 2012-12-07
Pages 360
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Boilerplate--the fine-print terms and conditions that we become subject to when we click "I agree" online, rent an apartment, enter an employment contract, sign up for a cellphone carrier, or buy travel tickets--pervades all aspects of our modern lives. On a daily basis, most of us accept boilerplate provisions without realizing that should a dispute arise about a purchased good or service, the nonnegotiable boilerplate terms can deprive us of our right to jury trial and relieve providers of responsibility for harm. Boilerplate is the first comprehensive treatment of the problems posed by the increasing use of these terms, demonstrating how their use has degraded traditional notions of consent, agreement, and contract, and sacrificed core rights whose loss threatens the democratic order. Margaret Jane Radin examines attempts to justify the use of boilerplate provisions by claiming either that recipients freely consent to them or that economic efficiency demands them, and she finds these justifications wanting. She argues, moreover, that our courts, legislatures, and regulatory agencies have fallen short in their evaluation and oversight of the use of boilerplate clauses. To improve legal evaluation of boilerplate, Radin offers a new analytical framework, one that takes into account the nature of the rights affected, the quality of the recipient's consent, and the extent of the use of these terms. Radin goes on to offer possibilities for new methods of boilerplate evaluation and control, among them the bold suggestion that tort law rather than contract law provides a preferable analysis for some boilerplate schemes. She concludes by discussing positive steps that NGOs, legislators, regulators, courts, and scholars could take to bring about better practices.



The Yearbook of Consumer Law 2009

The Yearbook of Consumer Law 2009 Author Annette Nordhausen
ISBN-10 9781317011446
Release 2016-02-17
Pages 362
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The Yearbook of Consumer Law provides a valuable outlet for high quality scholarly work which tracks developments in the consumer law field with a domestic, regional and international dimension. The 2009 volume presents a range of peer-reviewed scholarly articles, analytical in approach and focusing on specific areas of consumer law such as credit, consumer redress and the impact of the European Union on consumer law. The book also includes a section dedicated to significant developments during the period covered, such as key legislative developments and important court decisions. It is an essential resource for all academics and practitioners working in the areas of consumer law and policy.



Symposium

Symposium Author University of Illinois at Urbana-Champaign. College of Law
ISBN-10 STANFORD:36105063813997
Release 2007
Pages 531
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Symposium has been writing in one form or another for most of life. You can find so many inspiration from Symposium also informative, and entertaining. Click DOWNLOAD or Read Online button to get full Symposium book for free.



Moving Money

Moving Money Author Robert E. Litan
ISBN-10 0815703783
Release 2009-12-01
Pages 150
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Once we paid for things with bills, coins, or checks. Today we pay with zeroes and ones—digital entries on credit and debit cards, or electronic messages sent over the Internet. In Moving Money, distinguished analysts explore this trend, its development and likely future, and the ramifications of this transformation. This is a book about money as a medium of exchange—in the past, in the present, but particularly in the future. What forms has money taken over the years? Moreover, how have those means of payment changed in recent years, and how will they develop in the future? And what (if anything) should policymakers do to facilitate those changes, or at least allow them to develop and mature? Brookings economists Robert E. Litan and Martin Neil Baily and a distinguished group of experts dissect these issues and peer into the future of consumer payments. The landscape of the consumer payments industry will be shaped at least in part by public policies. Historically, governments have had monopolies on the manufacture of money. Any form of payment clearly requires trust on the part of both the seller and the buyer, and the government must establish and enforce laws to secure this relationship. More controversial is the issue of whether, and to what extent, government is also needed to protect the market in private sector payments systems. Why do these issues matter? The payments industry is a large and important sector of developed economies. In the United States, private-sector payments providers generate approximately $280 billion a year in revenue, while the government invests substantial resources into making money (minting coins and printing bills) or moving it (via checks and various electronic transfers). And the way we pay for things influences our purchases—what we spend money on, how much we spend, and where we spend it. Thus the future of consumer payments is intertwined with the health of national economies. Contributors: Martin Neil Baily (Brookings), Thomas P. Brown (O'Melveny & Myers), Kenneth Chenault (American Express Company), Vijay D'Silva (McKinsey and Company), Nicholas Economides (New York University), David S. Evans (Market Platform Dynamics), Robert E. Litan (Brookings and Kaufmann Foundation), Drazen Prelec (Massachusetts Institute of Technology), Richard Schmalensee (Massachusetts Institute of Technology)



Michigan Law Review

Michigan Law Review Author
ISBN-10 UOM:39015079802172
Release 2008
Pages
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Michigan Law Review has been writing in one form or another for most of life. You can find so many inspiration from Michigan Law Review also informative, and entertaining. Click DOWNLOAD or Read Online button to get full Michigan Law Review book for free.



Examining the billing marketing and disclosure practices of the credit card industry and their impact on consumers

Examining the billing  marketing  and disclosure practices of the credit card industry  and their impact on consumers Author United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
ISBN-10 PURD:32754081204541
Release 2009
Pages 221
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Examining the billing marketing and disclosure practices of the credit card industry and their impact on consumers has been writing in one form or another for most of life. You can find so many inspiration from Examining the billing marketing and disclosure practices of the credit card industry and their impact on consumers also informative, and entertaining. Click DOWNLOAD or Read Online button to get full Examining the billing marketing and disclosure practices of the credit card industry and their impact on consumers book for free.



Modernizing Consumer Protection in the Financial Regulatory System

Modernizing Consumer Protection in the Financial Regulatory System Author
ISBN-10 UOM:39015090377048
Release 2009
Pages 233
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Modernizing Consumer Protection in the Financial Regulatory System has been writing in one form or another for most of life. You can find so many inspiration from Modernizing Consumer Protection in the Financial Regulatory System also informative, and entertaining. Click DOWNLOAD or Read Online button to get full Modernizing Consumer Protection in the Financial Regulatory System book for free.



The British National Bibliography

The British National Bibliography Author Arthur James Wells
ISBN-10 UOM:39015066099238
Release 2006
Pages
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The British National Bibliography has been writing in one form or another for most of life. You can find so many inspiration from The British National Bibliography also informative, and entertaining. Click DOWNLOAD or Read Online button to get full The British National Bibliography book for free.



Symposium

Symposium Author University of Connecticut. School of Law
ISBN-10 STANFORD:36105063815463
Release 2007
Pages 557
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Symposium has been writing in one form or another for most of life. You can find so many inspiration from Symposium also informative, and entertaining. Click DOWNLOAD or Read Online button to get full Symposium book for free.



Bankruptcy and the U S Supreme Court

Bankruptcy and the U S  Supreme Court Author Ronald J. Mann
ISBN-10 9781107160187
Release 2017-04-30
Pages 250
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This book provides a comprehensive study of the Supreme Court's bankruptcy cases, illustrating and explaining the structural reasons for the Court's narrow bankruptcy perspective.



Annual Editions

Annual Editions Author Helen E. Purkitt
ISBN-10 0072861576
Release 2004-05-01
Pages 256
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World Politics 04/05 is one in a series of over seventy-five volumes, each designed to provide convenient, inexpensive access to a wide range of current, carefully selected articles from some of the most respected magazines, newspapers, and journals published today. Within the pages of this volume are interesting, well-illustrated articles by political scientists, educators, researchers, and writers providing effective and useful perspectives on today's important topics in the study of world politics. Book jacket.



Consumer Credit and the American Economy

Consumer Credit and the American Economy Author Thomas A. Durkin
ISBN-10 9780195169928
Release 2014
Pages 710
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Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.



Fringe Banking

Fringe Banking Author John P. Caskey
ISBN-10 9781610441131
Release 1994-08-24
Pages 184
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"Cogently argued, fills an important gap in the literature, and is accessible to undergraduates." —Choice "Dismantles the mythology surrounding pawnshops and check-cashing outlets, and demonstrates that they are no longer on the fringe of our financial system but integral to it."—San Francisco Bay Guardian In today's world of electronic cash transfers, automated teller machines, and credit cards, the image of the musty, junk-laden pawnshop seems a relic of the past. But it is not. The 1980s witnessed a tremendous boom in pawnbroking. There are now more pawnshops thanever before in U.S. history, and they are found not only in large cities but in towns and suburbs throughout the nation. As John Caskey demonstrates in Fringe Banking, the increased public patronage of both pawnshops and commercial check-cashing outlets signals the growing number of American households now living on a cash-only basis, with no connection to any mainstream credit facilities or banking services. Fringe Banking is the first comprehensive study of pawnshops and check-cashing outlets, profiling their operations, customers, and recent growth from family-owned shops to such successful outlet chains as Cash American and ACE America's Cash Express. It explains why, despite interest rates and fees substantially higher than those of banks, their use has so dramatically increased. According to Caskey, declining family earnings, changing family structures, a growing immigrant population, and lack of household budgeting skills has greatly reduced the demand for bank deposit services among millions of Americans. In addition, banks responded to 1980s regulatory changes by increasing fees on deposit accounts with small balances and closing branches in many poor urban areas. These factors combined to leave many low- and moderate-income families without access to checking privileges, credit services, and bank loans. Pawnshops and check-cashing outlets provide such families with essential financial services thay cannot obtain elsewhere. Caskey notes that fringe banks, particularly check-cashing outlets, are also utilized by families who could participate in the formal banking system, but are willing to pay more for convenience and quick access to cash. Caskey argues that, contrary to their historical reputation as predators milking the poor and desperate, pawnshops and check-cashing outlets play a key financial role for disadvantaged groups. Citing the inconsistent and often unenforced state laws currently governing the industry, Fringe Banking challenges policy makers to design regulations that will allow fringe banks to remain profitable without exploiting the customers who depend on them.